Before you list your home for sale, spend some time ensuring it’s looking its best and that it appeals to prospective buyers. Sometimes all it takes are a few small changes to get your home ready for sale. A thorough clean, a declutter of personal effects, and a little home styling can make all the difference. When showcasing your home, create a lasting first impression with these five tips that will help you get your home ready for sale.
Topics: Selling in winter, Mortgage Advice, Buying and selling
In New Zealand, banks do the majority of lending for mortgages and are often the first point of contact for borrowers. But they’re not the only choice. For home buyers and property investors who may be struggling to fit banks’ strict lending criteria or loan to value restrictions, non-bank lenders – or second tier lenders – are sometimes an option, providing competitive interest rates, fees and mortgage features outside the mainstream banks.
Topics: lending options, Mortgage Advice, Buying a home in NZ
The proposed changes to the CCCFA came into effect on July 7, 2022, addressing some of the challenges that borrowers have faced since the code was first enacted in December 2021. Home buyers who were previously blocked from lending under the original code could now find themselves with borrowing capacity. And while they will still need to show how spending and saving is controlled in their budget, the CCCFA amendments could make things easier for first home buyers trying to get into the property market.
Topics: First Home Buyer, Mortgage Advice, Responsible Lending
When it comes to applying for a home loan, not everyone ticks the boxes with a lengthy permanent employment, more than 20 per cent deposit, and an impeccable credit history. But that doesn’t mean you have to miss out. Fortunately there are a range of lenders who will still consider applications even if you’re not the ideal borrower. Read on to find out what to do if the bank says no.
Topics: Home Loan, First Home Buyer, Home Loan Advice, Mortgage Advice, Home Loan Application
When buying your first home, it’s easy to get swept up in a whirlwind of excitement and make mistakes that could end up costing you later on. Even if you’ve done your research and have a good understanding of the property market, there’s a lot to take in and to think about. Here are 5 first home buyer mistakes to avoid.
Topics: nz mortgage, First Home Buyer, NZ Mortgage Adviser, Home Loan Advice, Mortgage Advice, First time homeowner
When it comes to applying for a home loan, not everyone ticks the boxes with a lengthy permanent employment, more than 20 per cent deposit, and an impeccable credit history. But that doesn’t mean you have to miss out. Fortunately there are a range of lenders who will still consider applications even if you’re not the ideal borrower. Read on to find out what to do if the bank says no.
Topics: Home Loan, First Home Buyer, Home Loan Advice, Mortgage Advice, Home Loan Application
Topics: refixing, Mortgage Advice, mortgage review, Refinance, Financial Hardship, COVID-19, Mortgage Holiday
In the current global situation, many people may be struggling to meet their financial obligations and experiencing financial hardship. Most New Zealand banks have a financial hardship policy available to assist customers who may be experiencing some form of financial hardship due to Covid-19.
Topics: refixing, Mortgage Advice, mortgage review, Refinance, Financial Hardship, COVID-19, Mortgage Holiday
In partnership with participating approved banks, Government has launched the Business Finance Guarantee Scheme which will support targeted new loans to eligible businesses. Small and medium-sized businesses affected by the economic impacts of Covid-19 may be able to access a financial support package launched to protect jobs and support the economy.
Topics: Business Finance, Small Business Finance, Mortgage Advice, Financial Hardship, COVID-19
Mortgage Express will continue to serve our customers during this difficult period. With 50 mortgage and insurance advisers located throughout New Zealand, we are committed to helping you manage your finances in these unprecedented times. We can meet you online and talk through your financial options so that you have a clear path ahead for the uncertain future. If you have any questions or concerns, get in touch with our team today.
Topics: Credit Card Debt, Debt Consolidation, Household Debt, Mortgage Advice, Financial Hardship
